Cheapest Auto Insurance in Lincoln, Nebraska (2024)
Auto-Owners offers the cheapest car insurance in Lincoln, with minimum-coverage policies as low as $23 per month.
Excellent
)
Written byLindsay Frankel
)
Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Edited byDanny Smith
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
Reviewed byDaniel Roccato
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Lincoln drivers pay an average of $101 per month for liability coverage and $187 per month for full-coverage car insurance. That’s on par with the state averages of $93 for liability-only coverage and $205 for full coverage. In comparison, the national averages are $104 and $204, respectively.
With the second-largest population in the state, Lincoln has a high population density, which could help explain its comparatively high car insurance rates. More people living in an area increases traffic congestion, which can lead to more traffic accidents. Other factors besides location affect car insurance rates, including driver profile, driving history, and vehicle type.
Here’s what you need to know to find the best cheap car insurance in Lincoln, so you can spend your extra cash on things you enjoy.
Quick Facts
Drivers in Lincoln can expect to find the cheapest liability-only and full-coverage auto insurance from Auto-Owners.
Nebraska’s minimum car insurance coverage includes uninsured and underinsured motorist coverage. According to the Insurance Research Council (IRC), more than 9% of Nebraska drivers are uninsured.
In 2023, Lincoln police cited 1,252 motorists for impaired driving — the highest number since 2015, according to city police data.[1]
3 of the cheapest car insurance companies in Lincoln
Whether you live in Antelope Park or Capitol Beach, you’ll need a car insurance policy if you plan to drive. The right auto insurance company for you will depend on factors like your age, driving record, and coverage needs, so it’s important to compare quotes from multiple companies.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $40 | $25 | Cheap rates |
| American Family | 9.1 | $54 | $35 | Customer satisfaction |
| GEICO | 9.0 | $63 | $40 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $39/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
821NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In addition to providing the cheapest average full-coverage auto insurance rates, Auto-Owners offers great discounts for teens and college students. The company also has the highest possible financial strength rating (A++) from AM Best and fewer complaints with the National Association of Insurance Commissioners (NAIC) than the average for a company of its size.
Auto-Owners offers several coverage options, including gap coverage, additional expense coverage, and road trouble service. And the company ranks above average for customer satisfaction in the central region, according to the J.D. Power 2023 U.S. Auto Insurance Study.
Pros
Offers several discounts for teens and college students
Cheapest average rates overall
Cons
Ranked below average for claims satisfaction
No military discount or telematics discount in Nebraska
Best insurer for customer satisfaction: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $52/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family stands out for customer satisfaction, ranking second for the central region in the J.D. Power 2023 U.S. Auto Insurance Study and receiving an above-average claims satisfaction ranking. The company has also had very few complaints with the NAIC about auto insurance in recent years.
In addition to standard auto coverages, American Family offers gap insurance, rental reimbursement, roadside assistance, AD&D coverage, and a rideshare endorsement. The company offers a variety of discounts and has an A financial strength rating from AM Best.
Pros
Second-cheapest average rates overall
Very few complaints with the NAIC
Cons
No military discount
Lower financial strength rating than some companies
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $61/mo |
4.0
Best choiceBased on 10275 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers more discounts than most companies, including a 22% discount for good drivers, a 15% military discount, and a 25% multi-vehicle discount. Drivers older than 50 in Nebraska can save 10% by taking an approved defensive driving course. The company has an A++ financial strength rating from AM Best, the highest grade.
While GEICO had slightly fewer complaints with the NAIC in 2022 about car insurance, the company ranks below average for the central region in the J.D. Power 2023 U.S. Auto Insurance Study.
Pros
Offers a long list of discounts
A++ financial strength rating from AM Best
Cons
Ranked below average by J.D. Power for the central region
Offers few additional coverages outside of standard full-coverage insurance
How to get the cheapest car insurance in Lincoln
Lincoln car insurance is relatively inexpensive, but some drivers pay higher rates than others. While you can’t change your age or erase your driving record, you still have some ways to get a lower premium:
Compare quotes. Every insurer will weigh the information in your driver profile a little differently. Comparing quotes is the best way to get the lowest price for your unique situation. You can get direct quotes online, call an independent agency or broker, or use an insurance-comparison site to save time.
Bundle your policies. With some insurance companies, you can save up to 25% by bundling your auto insurance with your homeowners insurance or insuring multiple vehicles with the same company.
Ask about other discounts. You can also ask your insurance agent about telematics programs, vehicle equipment discounts, payment discounts, student discounts, driver’s education discounts, affiliation discounts, and other ways to save.
Increase your deductible. Choosing a high deductible for your car insurance policy will lower your premiums. Just make sure you can cover your share of the responsibility for a large repair bill in the event of an accident.
Drop optional coverages. If you have an old or inexpensive vehicle worth less than 10 times your premium, it might not make sense to carry full-coverage auto insurance. A liability-only policy may save you money.
Cheapest liability-only car insurance in Lincoln: Auto-Owners
Liability insurance includes bodily injury liability coverage, which pays for the other party’s medical bills in an accident you cause, and property damage liability coverage, which repairs or replaces the damaged vehicle or property in an accident you cause.[2]
In Nebraska, liability policies also include uninsured and underinsured motorist coverage, which reimburses you if you’re the victim of a hit-and-run or hit by a driver without sufficient insurance coverage.
Liability-only insurance is cheaper than full coverage and may be enough for Lincoln drivers with an older-model vehicle or inexpensive car. But liability won’t pay to repair or replace your car in an at-fault accident, so it’s important to consider your ability to pay for repairs before deciding on a liability-only policy.
Below are the average monthly quotes each insurance company offers for liability-only insurance in Lincoln. Drivers in Lincoln can expect to pay a monthly average of $101 for liability-only auto insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $23 |
| American Family | $33 |
| USAA | $37 |
| GEICO | $38 |
| Allstate | $40 |
| State Farm | $41 |
| Clearcover | $47 |
| National General | $52 |
| Nationwide | $55 |
| Progressive | $58 |
| Safeco | $65 |
| AssuranceAmerica | $67 |
| Farmers | $68 |
| Shelter | $70 |
| Dairyland | $92 |
| Foremost | $100 |
| The General | $104 |
| Liberty Mutual | $111 |
| Bristol West | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lincoln: Auto-Owners
In addition to liability coverage, full-coverage auto insurance includes comprehensive and collision coverage. After you meet your deductible, these cover repairs to your own vehicle if you cause an accident or your car is stolen or damaged by a non-collision event.[2] Full coverage is essential for most drivers and may be required for drivers with a loan or a lease.
While full-coverage car insurance is generally more expensive than liability coverage, some insurers offer very affordable rates.
Below are average monthly quotes for full coverage from the cheapest car insurance companies in Lincoln. Drivers in Lincoln can expect to pay a monthly average of $187 for full-coverage auto insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $39 |
| American Family | $52 |
| USAA | $58 |
| GEICO | $61 |
| Allstate | $64 |
| State Farm | $69 |
| Clearcover | $84 |
| Nationwide | $88 |
| Progressive | $95 |
| Farmers | $109 |
| AssuranceAmerica | $110 |
| Shelter | $112 |
| National General | $116 |
| Safeco | $141 |
| Liberty Mutual | $209 |
| Dairyland | $213 |
| Foremost | $253 |
| Bristol West | $258 |
| The General | $268 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lincoln, Nebraska
Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $71/mo for full coverage in Lincoln and other Nebraska cities.
*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lincoln, Nebraska within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Nebraska
Nebraska is an at-fault, or tort, state for car insurance, meaning drivers are held liable for accidents they cause. Another driver can sue you if your insurance won’t cover all their losses, so you may want to consider higher limits than required by law.
Below are the minimum car insurance requirements that Nebraska law mandates. If you choose to forgo car insurance in Nebraska, you must show alternative proof of financial responsibility.[3]
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage
Uninsured motorist bodily injury liability
$25,000 per person
$50,000 per accident
Underinsured motorist bodily injury liability
$25,000 per person
$50,000 per accident
You may also want to consider the following optional coverages:
Comprehensive coverage: This covers theft or damage to your vehicle after a non-collision event, like a fire.
Collision coverage: This pays to repair or replace your vehicle after it gets damaged in an accident you cause.
Medical payments: This covers your and your passengers’ medical expenses after an at-fault accident.
Gap insurance: This covers the difference between what your car is worth and what you still owe on your loan in the event of a total loss.
Roadside assistance: This provides assistance if you get stuck on the road due to a flat tire, run out of gas, get locked out, or need a tow. Specific coverages vary by insurance company.
Cheapest car insurance for drivers with an incident
If you have speeding tickets, at-fault accidents, or other moving violations on your record, insurance companies will charge you higher premiums to account for the added risk. Driving under the influence is a particularly serious offense that requires you to have an SR-22 certificate on file when reinstating your license in Nebraska.[4]
Incidents on your driving record can increase your car insurance rates dramatically. On average, drivers with incidents on their records pay $139 per month for liability coverage. You can see the effect of various infractions on average premiums in the charts below.
Find Car Insurance in Lincoln
Minimum coverage policies start at $23/month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you’re caught speeding, insurance companies may think that you’re not making an effort to drive safely, which can increase your risk of an accident. For this reason, auto insurance companies often charge higher rates for drivers with speeding tickets.
Lincoln drivers with speeding tickets on their records face average monthly rates of $156 for liability-only insurance and $288 for full coverage. Below are the average monthly quotes each company offers to drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $32 |
| American Family | $33 | $45 |
| USAA | $37 | $51 |
| GEICO | $38 | $52 |
| Allstate | $40 | $55 |
| State Farm | $41 | $56 |
| Clearcover | $47 | $65 |
| National General | $52 | $72 |
| Nationwide | $55 | $76 |
| Progressive | $58 | $79 |
| Safeco | $65 | $90 |
| AssuranceAmerica | $67 | $92 |
| Farmers | $68 | $93 |
| Shelter | $70 | $99 |
| Dairyland | $92 | $126 |
| Foremost | $100 | $147 |
| The General | $104 | $145 |
| Liberty Mutual | $111 | $163 |
| Bristol West | $112 | $154 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you have one or more at-fault accidents on your record, you’ll pay more for car insurance than a driver with a clean record. At-fault accidents increase your rates by an average of 26%, though some companies are more lenient than others. In Lincoln, drivers with at-fault accidents see average car insurance rates of $160 for liability policies and $296 for full coverage.
Below are the average monthly quotes Lincoln drivers pay at each insurance company after an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $33 |
| American Family | $33 | $47 |
| USAA | $37 | $53 |
| GEICO | $38 | $54 |
| Allstate | $40 | $57 |
| State Farm | $41 | $58 |
| Clearcover | $47 | $72 |
| National General | $52 | $74 |
| Nationwide | $55 | $79 |
| Progressive | $58 | $83 |
| Safeco | $65 | $92 |
| AssuranceAmerica | $67 | $94 |
| Farmers | $68 | $97 |
| Shelter | $70 | $104 |
| Dairyland | $92 | $130 |
| Foremost | $100 | $152 |
| The General | $104 | $151 |
| Liberty Mutual | $111 | $168 |
| Bristol West | $112 | $160 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
If you’re reinstating your license after a court-ordered suspension or revocation for a DUI, your insurance company will need to file an SR-22 with the Nebraska Department of Motor Vehicles.[4] SR-22 insurance costs 31% more than regular car insurance in Nebraska. But some companies still offer affordable premiums to DUI drivers.
A DUI in Lincoln significantly increases average monthly car insurance rates to $334 for full coverage and $180 for liability only. Here are the average monthly quotes each company charges Lincoln drivers who have been caught driving under the influence.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $39 |
| American Family | $33 | $57 |
| USAA | $37 | $64 |
| GEICO | $38 | $65 |
| Allstate | $40 | $69 |
| State Farm | $41 | $70 |
| Clearcover | $47 | $81 |
| National General | $52 | $89 |
| Nationwide | $55 | $94 |
| Progressive | $58 | $100 |
| Safeco | $65 | $104 |
| AssuranceAmerica | $67 | $115 |
| Farmers | $68 | $117 |
| Shelter | $70 | $120 |
| Dairyland | $92 | $158 |
| Foremost | $100 | $172 |
| The General | $104 | $179 |
| Liberty Mutual | $111 | $191 |
| Bristol West | $112 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age is an important factor in determining car insurance rates since it relates to your years of experience driving. Drivers in their 50s and 60s typically pay the lowest prices. But rates increase for seniors around age 70 due to a greater risk of accidents and more severe injuries.
Still, seniors pay lower rates than teen drivers, and some companies offer particularly affordable quotes for older drivers in Lincoln. On average, senior drivers in Lincoln pay $69 per month for minimum coverage and $128 for full-coverage car insurance.
Below are the cheapest insurers for seniors in Lincoln and the average monthly quotes they offer older drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $17 | $28 |
| American Family | $24 | $37 |
| USAA | $27 | $42 |
| GEICO | $28 | $44 |
| Allstate | $29 | $47 |
| State Farm | $29 | $49 |
| National General | $36 | $81 |
| Clearcover | $37 | $66 |
| Nationwide | $37 | $60 |
| Progressive | $38 | $62 |
| AssuranceAmerica | $46 | $75 |
| Shelter | $46 | $74 |
| Farmers | $48 | $77 |
| Safeco | $51 | $110 |
| Dairyland | $67 | $155 |
| Foremost | $73 | $184 |
| The General | $77 | $198 |
| Bristol West | $82 | $189 |
| Liberty Mutual | $85 | $161 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
What Are the Best Cars for Senior Drivers?
Cheapest car insurance for teens: Auto-Owners
Teens pay some of the highest car insurance premiums in Lincoln because their lack of driving experience makes them riskier to insure. Teen drivers are more likely to be in car accidents than any other age group, and the crash death rate for teen boys is especially high.[5] Insurance companies charge significantly higher rates for Lincoln teens, but it’s still possible to get affordable coverage.
One way to keep costs low is to stay on your parents’ insurance plan. Their rates may increase, but it’s often cheaper than buying your own policy. Some insurance companies also offer discounts for using a telematics device or taking a driver training course. And having a safe car helps as well. You can also typically earn a good student discount by maintaining good grades.
Since some companies offer more generous rates to young drivers than others, it’s also helpful to compare quotes. Teen drivers in Lincoln pay, on average, $357 per month for full coverage and $193 for liability only.
Below are the cheapest insurance companies for teens in Lincoln and the average monthly quote each company offers teen drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $41 | $70 |
| American Family | $60 | $95 |
| GEICO | $65 | $104 |
| USAA | $66 | $103 |
| State Farm | $75 | $126 |
| Allstate | $76 | $121 |
| Clearcover | $91 | $163 |
| Nationwide | $102 | $163 |
| National General | $108 | $241 |
| Progressive | $108 | $177 |
| Shelter | $124 | $198 |
| Farmers | $126 | $202 |
| AssuranceAmerica | $130 | $214 |
| Safeco | $132 | $286 |
| Dairyland | $158 | $366 |
| The General | $176 | $453 |
| Foremost | $188 | $476 |
| Bristol West | $200 | $462 |
| Liberty Mutual | $202 | $381 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Lincoln, NE
Unlock savings and discounts when you compare rates through Insurify
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Lincoln car insurance quotes by credit tier
In Nebraska, auto insurance companies can legally consider your credit-based insurance score when underwriting your policy and setting your premiums. This score is based on information in your credit report, like your payment history and outstanding debt.[6]
People with excellent or good credit tend to get the best rates, while people with poor credit typically pay higher premiums. In Lincoln, drivers pay the following average quotes for full coverage based on their credit tier. As you can see, drivers with poor credit pay about twice as much for car insurance as drivers with excellent credit in Lincoln.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lincoln?
The overall average monthly cost of car insurance in Lincoln is $144 per month, which is close to the state average of $149. Car insurance is cheaper in Lincoln than in Bellevue or Omaha. Rates can also vary by ZIP code within the Star City. That’s because some areas have higher crime rates and accident rates than others.
For example, Omaha has a higher crime rate than Lincoln, and Omaha drivers pay about 17% more for car insurance than Lincoln drivers.[7]
More cities in Nebraska
Here’s how other populous cities in Nebraska compare to Lincoln in terms of average monthly car insurance quotes. As you can see, Lincoln drivers pay less than some other Nebraska drivers.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bellevue | $252 | $107 |
| Columbus | $201 | $81 |
| Fremont | $214 | $80 |
| Grand Island | $190 | $82 |
| Norfolk | $174 | $80 |
| Omaha | $227 | $117 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lincoln car insurance FAQs
Deciding on the right amount of coverage and the insurer for you can be overwhelming. The answers below should make the process of finding affordable auto coverage in Lincoln a little easier.
How much is car insurance in Lincoln?
On average, liability-only coverage in Lincoln, Nebraska, is $101 per month, and full coverage costs $187 per month. Coverage in Lincoln is close to the state averages of $93 and $205, respectively.
Your specific rate will depend on your driving record, credit history, age, vehicle type, insurer, and more.
What are the cheapest car insurance companies in Lincoln?
Auto-Owners is the cheapest insurer in Lincoln, with liability-only rates as low as $23 per month. Lincoln drivers can also find affordable coverage with the city’s second- and third-cheapest insurers, American Family and USAA, which have liability-only rates of $33 and $37 per month, respectively.
What are the best car insurance companies in Lincoln?
Auto-Owners is the best car insurance company in Lincoln, thanks to its Insurify Quality (IQ) Score of 8.5, high claims satisfaction ranking from J.D. Power, and quality coverage.
Other top insurers in the city include American Family and GEICO.
Is liability insurance required in Nebraska?
Yes. Liability insurance or proof of financial responsibility is required in Nebraska. Proof of financial responsibility can include a certificate of insurance, a bond, a property bond, a certificate of deposit, or a certificate of self-insurance. Drivers must carry proof of responsibility in their vehicles at all times.
Is Nebraska a no-fault state?
No. Nebraska is an at-fault state, meaning drivers are held liable for accidents that they cause.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Nebraska
Sources
- Lincoln Police Department. "DUIs (Citation Data)."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
- Nebraska Department of Motor Vehicles. "SR-22 For Revocations/Suspensions."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Nebraska Department of Insurance. "Credit Scoring: How Does it Affect You?."
- Best Places. "2023 Compare Cities Crime: Omaha, NE vs Lincoln, NE."
)
)
)
)
)